Government Gazette
REPUBLIC OF SOUTH AFRICA
Regulation Gazette No. 7009
Vol. 428 Pretoria 23 February 2001 No. 22084
AIDS HELPLINE: 0800-123-22 Prevention is the cure
STAATSKOEAANT, 23 FEBRUARIE 2001 No. 22084 3 ~-
GOVERNMENT NOTICE GOEWERMENTSKENNISGEWI~NG
No. R. 164
DEPARTMENT OF FINANCE DEPARTEMENT VAN FlNANSlES'
23 February 2001
FINANCIAL SERVICES bOaRD
The Minister of Finance has under Section 55 of the Short-Tern Insurance Act, 1998, made the Policyholder Protection Rules set out in the: Schedulb.
These Policyholder Protection Rules shall come into operation on 1 July 2Q01.
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4 No. 22084 GOVERNMENT GAZETTE, 23 FEBRUARY 2001
SCHEDULE i : , 1
POLICYHOLDER PROTECTION RULES (SHORT-TERM INSURANCE), 2001
Section 55, Short-term Insurance Act, 1998
Index
Part 1
Part I I Part 111
Part IV
Part V
Part VI
Part VI I Part Vltl
Definitions and Purpose of the Rules
Rules on Disclosure
Rules on Void provisions and format
General Rules
Special arrangements relating to Lloyd's Special provisions regarding marketing of products
directly to the public
Statutory Notice
Title
Rules 4
7
12
14
19
20
22
24
PART I
DEFINITIONS AND PURPOSE OF THE RULES
Definitions
1. In these Rules, 'the Act" means the Short-term Insurance Act, 1998 (Act No 53 of
4998), any word or expression to which a meaning has been assigned in the Act,
including the regulations promulgated under section 70 of the Act, shalt bear that
meaning and, unless the context otherwise indicates -
(i) "compliance officer", in relation to an insurer, means the public officer of
the insurer or a person appointed as a compliance officer by the public
officer, and in the case of Lloyd's, the Lloyd's representative;
(ii) "effective date", in relation to the entering into or variation of any policy,
means the date on which any such policy is entered into or varied;
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STAATSKOERANT, 23 FEBRUARIE 2001 No. 22084 5
“ensure”, in relation to a person or body and any matter mentioned in a
provision of these Rules, means to take any necessary steps in order that
the clear objective of the.provision .i$.,ach,ievetj; . ::. ’. . ’ . - . . . .. . . . . ,
“enter into”, in respect of a policy, includes the renewal of any such policy:
Provided that in the case of monthly policies only the renewal after the
entering into of the policy effected during every consecutive twelfth month
of the currency of the policy shall qualify as a renewal referred to in this
definition;
“independent intermediary“ means a person, other than a representative,
who renders services as intermediary and includes a Lloyd’s
correspondent;
“inspection” means any inspection contemplated in the Inspection of Financial Institutions Act, 1998 (Act No 80 of 1!398);
“insurance party involved” means any insurer 01‘ independent intermediary
involved in the entering into or variation of a policy with the policyholder
concerned;
“insurer“ means a short-term insurer, and incluldes any representative of
the insurer, and any independent intermediary referred to in section 48(2)
of the Act;
”poticf means any short-term policy existing on the date envisaged in
section 5545) of the Act or entered into on or after that date, but excludes
a reinsurance policy;
“policyholder“ means any natural person acting otherwise than solely for
the purposes of his or her own business and includes any Such
prospective holder of a policy or any person requesting disclosure;
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6 No. 22084 GOVERNMENT GAZETTE. 23 FEBRUARY 2001
(xi) "variation", in respect of a policy, means any variation of the premiums or benefits of th&pblicy;- excludtng $any,: .periodic variation in terms of a contractually determined inflation-conneded -formula,. or othewise in terms of fixed contractually determined provisions.
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PURPOSE OF THE RULES
2. The purposes of disclosures referred to in these Rules are to enable a
policyholder to make informed decisions in regard to short-term insurance products, and to ensure that the parties involved conduct business fiiriy and with due care and
diligence.
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STAATSKOEAANT, 23 FEBRUARIE 2001 No. 22084 7
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The independent intermediary or insurer, as applicable, shall bear the Onus of proving that a disclosure has been mads. .
Disclosure must be in plain language and must be structured SO as to
Promote easy comprehension and to avoid uncertainty or confusion. Any
Written or printed disclosures, including any policy or policy variation which
may be issued to policyholders, must be issued in a dear and readable print
size, spacing and format.
Disclosure shall be made at an appropriate time and may be made in writing,
orally, using any appropriate electronic medium or by telefax.
An insurer or independent intermediary, a,s appropriate, shall ensure that they confirm any disclosure to the policyholder in writing, if made orally,
within 30 days after such disclosure.
Disclosures need not be duplicated or repeated to the same policyholder
unless there are changes to the premiums, fees, excess payable or a
change in the policy conditions and benefits which will affect that
policyholder or the transactions contemplated make it desirable or
necessary.
Disclosures may be validly made using standard forms or format.
Where records of disclosures are required to be kept in terms of these Rules,
such records may be kept in writing or by using any appropriate electronic
medium.
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8 No. 22084 GOVERNMENT GAZETTE, 23 FEBRUARY zoo1
4. Obligatory diaciosures
4.1 An independent intermediary shall ensure that at the commencement of dealings
with a policyholder in respect of an insurance transaction that at least the following
disclosures, where:applicable, are made once to the policyholder, in writing and
where made orally, to be confirmed in writing:
(a) the Statutory Notice as contemplated in Part Vlt must be given without any
amendment except for details that are furnished in terms of the Statutory
Notice;
(b) full names, titles and designations of independent intermediaries, postal and
physical addresses of the independent intermediaries’ head ofices and
relevant service offices, telephonic and electronic communication details of
contact persons;
(c) legal status of the independent intermediary; confirmation of the contractual
relationship with the insurer or various insurers; disclosure of the fact that the
independent intermediary directly or indirectly holds more than 10% of an
insurer’s shares (if any); has received more than 30% of his total commission
and remuneration from a particular insurer in the preceding calendar year (if
any), or is an associated company of the insurer (if applicable);
(d) whether they hold professional indemnity insurance or not;
(e) details of required claims notification procedures; and
(9 the amount of the consideration referred to in section 48 of the Act accruing
to the independent intermediary in respect of the relevant entering into or variation of the policy concerned, and of any fee contemplated in section
8(5) of the Act (if any).
4.2 An insurer shall ensure that at least the following disclosures are made to
the policyholder, as soon as is practical after an insurance transaction is initiated:
(a) the Statutory Notice as contemplated in Part VI1 must be given without any
amendment except for details that are furnished in terms of the Statutory
Notice, in cases where an independent intermediary is not involved in the
insurance transaction:
(b) full registered name and abbreviated name, postal and physical addresses
of the head offices and issuing offices, telephonic and electronic access
numbers and communication details of service departments;
(c) the name and contact details of the compliance department or officer of the
insurer and detaiis of procedures (if any) for the resolution of complaints by policyholders, including complaints in respect of independent intermediaries
or representatives involved;
(d) claims notification procedures;
(e) name, class or type of policy involved;
(f) nature and extent of monetary obligations assumed by the policyholder,
manner of payment of premiums, due date for payment of premiums and the
consequences of non-payment of such premiums;
4.3 As regards the variation of a policy, an insurer shall ensure that at least the
following disclosures are made to the policyholder, as soon as is practical before
the variation of the policy:
(a) name, class or type of policy involved;
(b) nature of indemnification (benefits} for the policyholder, manner of deriving or
obtaining thereof, and manner of payment or furnishing of indemnification
(benefits), as the case may be;
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7 0 No. 22084 GOVERNMENT GAZETTE. 23 FEBRUARY 2001
(e) nature and extent of monetary obligations assumed by the policyholder,
manner of compliance therewith and consequences of non-compliance; and
(d) loadings, excesses payable, exclusions or other special terms or conditions.
Other disclosures
5.1 The provisions of this Part shall not be construed as preventing any insurance
party involved in any particular case from making any other or additional
disclosures to a policyholder before the effective date, where such disclosures will promote the better achievement of the objects of these Rules and are deemed
necessary or expedient in the circumstances of the particular case, or to comply
with any other code of business conduct provisions applying lawfully to any such
party.
5.2 Any subsequent changes to information referred to in Rules 4.1(b) and 4.2(b),
must be communicated in writing to the policyholder.
Standardised disclosures
6. Without prejudice to the provisions of Rules 3 and 4, .an insurer, or any
independent intermediary with the concurrence of the insurer, may draft standardised
disclosure documentation in respect of any particular class or type of policy or insurance
transaction, to be used for the purpose of complying with the provisions o f this Part:
Provided that -
(a) such documentation is current on any relevant effective date; and
(b) such use does not exonerate any insurance party involved from compliance
with any disclosure requirement of this Part not addressed, or not fully
addressed, in such documentation.
Consequences of non-compliance
7.1 Where a policyholder considers that a provision of this Part has been contravened
or not complied with by any insurance party involved in a policy held by him or her,
scch policyholder may lodge a written complaint to the insurance party involved
STAATSKOERANT, 23 FEBRUARIE 2001 No. 22084 11
7.2
and, if such complaint is not resolved to the satisfaction of the policyholder, to the
Registrar: Provided that the:. aforegoing+provisions, , , . . . . . I . of ,this, subrule shall with the
necessary changes also apply to any insurer, independent intermediary or any
other interested. member of. the public who .or which, cqnsiders that any provision of
this Part has in connection with any policy and in any particular case been
contravened or not complied with.
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The Registrar shall, on receipt of any such complaint, require the insurance party
involved by written notice to provide. the Registrar within a period determined by
the Registrar with a full reply to the complaint.
7.3 (a) The Registrar may, whether an inspection has been carried out or not, and
where a breach of these Rules has been established to the Registrar's
satisfaction, after informing the insurance party or parties involved of the
intention so to act and affording them a reasonable opportunity to respond
thereto, by written notice require any insurance party involved to take
particular corrective steps in accordance with a specified timetable, and the
Registrar may take any other step in connection with the 'breach which is available to the Registrar in law.
(b) An insurance party involved to which a notice contemplated in Rule 7.2 or
paragraph (a) of this subrule has been directed, shall within the period
determined by the Registrar in the notice, or within any extended period
determined by the Registrar on written appIication by the party, comply with
the requirements stated in the relevant notice.
1 2 No. 22084 GOVERNMENT GAZElTE, 23 FEf3RUAflY 2001
PART 111
RULES ON VOID PROVISIONS AND FORMAT
Void provisions
8.1 A provision (of a policy of which the effective date of the entering into thereof is a
date on or after a date 90 days after the date referred in section 55(5) of the Act, is void to the e:xtent that it provides expressly or by implication -
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(a) that in connection with any claim made under the policy, the policyholder
may be obliged to undergo a polygraph, lie detector or truth verification, or
any other similar, test or procedure which is furnished or made available by
the insurer or any other person in terms of an arrangement with the insurer
and which is conducted under the control of the insurer or such other person;
(b) for an inducement of any nature for a policyholder to voluntarily agree to
undergo a test or procedure envisaged in paragraph (a) of this subrule where
the policyholder submits a claim under the p o l i c y ;
(c) that where a policyholder under other circumstances than those
contemplated in paragraph (b) of this subrule voluntarily agrees to undergo a
test or procedure envisaged in paragraph (a) of this subrule where the
policyholder submits a claim under the policy, and the policyholder fails to
pass such test, the claim will be repudiated or the policy will become void
merely as a result of such failure to pass the test or procedure;
(d) that in the event of any dispute arising under the policy, the dispute can only
be resolved by means of arbitration; and
(e) that an insurer may repudiate .a claim because a premium was not paid on
due date, if payment was made during the period of grace referred to in Rule
10.5, whether or not the payment was made prior to the event giving rise to
the clairn.
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STAATSKOEAANT, 23 FEBRUARIE 2001 NO. 22084 13
8.2 Rule 8.l(d) shall not be construed as rendering void a provision of a policy that
the parties may, after a disp,ute,uvdx$m policy has arisen, voluntarily agree to
submit the dispute to arbitration or, in the absence of such a provision, as voiding
any agreement between the parties to that effect. . . .
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Format of policies ~ . . :'
9. An insurer involved shall ensure that a policy of which the effective date of the
entering into thereof is a date on or after a date 90 days after the date referred in section 55(5) of the Act, is only issued to a policyholder concerned if the provisions of the policy
are recorded, as regards layout, letter types and spacing, in an easily readable manner
and if the wording of every provision of the policy has a reasonably precise ascertainable
meaning.
PART IV
GENERAL RULES . I . I , ..
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Additional duties of insurers and independen,tintermediaries . -
10.1 (a) Subject to paragraph .(b) of . this ... subrule, an insurer must, where an
agreement is to be .entered into with an independent intermediary for the
rendering olf services as independent intermediary, furnish the independent
intermediary with a written mandate or authority to act on behalf of the
insurer, sett.ing out the terms and conditions of such mandate or authority.
(b) An insurer must in the case of an agreement contemplated in paragraph (a)
of this subrule existing immediately prior to the date referred to in section
55(5) of the Act, and which does not contain any written mandate or authority
contemplate,d in paragraph (a) of this subrule, within 30 days after the said
date furnish such independent intermediary with such written mandate or
authority. 8
10.2 An insurance party involved - . .
(a) shall ensure that any debit,order to be signed by a policyholder on or after a
date 30 days after the date referred to in section 55(5) of the Act, for the
payment of premiums to any such party, shall not be drafted to be in favour
of any other person (whether conjointly with the insurance party involved or
as an alternative) but such first mentioned party; and
(b) shall not unilaterally terminate any current debit order signed by a
policyholder without having informed the policyholder in writing of the
intention so t'o terminate the debit order at least 30 days before the effective
date of suchcenvisaged termination.
10.3 (a) An insurer shall not unilaterally terminate any policy without giving notice as set
out in paragraph (b) of this subrule. . i
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STAATSKOERANT, 23 FEBRUARIE 2001 No. 22084 15
(b) The insurer may give notice either-
(i) direct to the policyholder; or
(ii) by satisfying itself that notice has been given to the policyholder by the
independent intermediary; or (iii) if (i) or (ii) is not possible, by publication of such notice in two editions of
a newspaper circulating in all areas in which it is reasonably believed
that policyholders reside; a copy of such notice shall be forwarded to
the Registrar prior to publication.
q0.4 An insurer shall ensure that where any decision has been made as to the
repudiation of any claim under a policy, or as regards the quantum of a claim
which is in dispute, the policyholder concerned is in writing informed of the reasons
for the delcision and that the policyholder may within a period of not less than 90
days after the date of the relevant decision make representations to the relevant
insurer in respect of such decision. The 90 days referred to may not be included in
any time-barring period contained in the policy for the institution of legal action.
10.5 An insurer shall ensure that a policy to be entered into on or after a date 90 days
after the date referred to in section 55(5) of the Act, contains a provision for a
period of grace for the payment of premiums of not less than 15 days after the
relevant due date: Provided that in the case of a monthly policy, such provision
must apply with effect from the second month of the currency of the policy.
10.6 The practice of signing blank or partially completed forms by a policyholder,
whereby :someone else fills in the details at a later stage, shall be an offence by
the insurance party involved under these Rules;
Termination and alteration of certain agreements and relationships
11 .I No termination of any agreement contemplated in Rule lO.l(a) and (b) between
any insurer and an independent intermediary, irrespective of whether the
termination has been mutually agreed upon, or is effected by any one party by notice to the other, shall be effective unless -
16 No. 22084 GOVERNMENT GAZETTE, 23 FEBRUARY 2001
(a) all policyholders holding current policies entered into by that insurer through
the intermediation of that independent intermediary, have been given prior
notice of the termination in accordance with Rule 10.3(b), by either the
insurer or the independent intermediary, or by both; and
(b) both such insurance parties are beforehand satisfied that all reasonable
steps have been taken for such information to reach all such policyholders.
11.2 The provisions of Rule 11 .I shall, with the necessary changes, apply in respect of
any change occurring in the status or relationship, or authority or mandate, of any
independent intermediary, contemplated in Rule 4.1 (c).
Records, monitoring systems and annual reports
12.1 (a) An insurance party involved shall ensure that records are kept of all
disclosures made, including the manner of disclosure, in respect of the
entering into or variation of any particular policy. These records must be kept
available for a period of at least three years for inspection by ,the Registrar.
(b) Copies of such disclosure documents are to be provided to the policyholder
(c) The insurance parties involved is not required to keep the disclosure records
themselves but must ensure that they are available for inspection within 7
days frorn the Registrar's request.
12.2 Insurers and independent intermediaries, as applicable, shall within 6 months from
the date of coming into operation of these Rules, ensure that they provide:
(a) for monitoring systems to measure compliance with these Rules ;
(b) where necessary, for information or training courses for persons employed or
contracted in such business, in respect of the implementation by them of
these Rules;
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STAATSKOERANT, 23 FEBRUARIE 2001 NO. 22084 17
(e) for the accreditation of independent intermediaries, within 6 months of such
person becoming. active, 'of .the. relevant knowledge, competency and
proficiency of such persons in the products that they may market; and
(d) for the ongoing recording of the knowtedge, competency and proficiency of
accredited persons.
12.3 Every insurer shall, within a period of four months after the end of every financial
year of the insurer, submit a written report to the Registrar, in respect of the period
of every such financial year, on -
(a) all steps taken by the insurer to ensure compliance with the provisions of
these Rules, and the reasons for any non-compliance which may have
occurred; *
(b) problems experienced by the insurer and any of its representatives with the
interpretation or implementation of these Rules, and suggestions or
recommendations for improvements or other amendments; and
(c) full details of any complaints received by the insurer in connection with the
implementation of these Rules, and of all steps taken in connection
therewith.
Special duties of Registrar 13. The Registrar -
(a) may take any step deemed necessary or expedient to inform policyholders
and the public in general of the existence, ambit and meaning of these Rules
and of available avenues or mechanisms for lodging of complaints;
(b) shall ensure that copies of these Rules and of any guidelines referred to in
paragraph (c) of this Rule are readily available at the Registrar's office for
distribution at the request of any person at a reasonable fee determined on a
non-profit basis by the Registrar to cover costs and expenses;
18 No. 22084 GOVERNMENT GAZETTE. 23 FEBRUARY 2001
(c) may from time to time, with the concurrence of the Advisory Committee,
issue non-binding -
(ii) best conduct directives for independent intermediaries and
representatives; and
(d) shall -
(i) annually compile a compliance review summarising the import of
reports referred to in Rule 12.3 and containing advice deemed
necessary or expedient in connection with the achieving of the objects
of these Rules, including recommendations on the amendment of
these Rules'or of the Act, including advice not specifically connected to
such reports; and
(ii) submit such compliance review to the Advisory Committee for
consideration.
Waiver of rights
14. No waiver by any policyholder of any right or benefit by these Rules, shall be
valid.
Penalties
15 An insurance party involved who contravenes or fails to comply with a provision
of these Rules shall be guilty of an offence and on conviction liable to a penalty or fine
referred to in section 64(l)(c) or 65(l)(c), as the case may be, of the Act.
STAATSKOERANT, 23 FEBRUARIE 2001. No. 22084 19
9 6. SPECIFIC ARRANGEMENTS RELATING TO LLOYD’S 16.1 For purposes of these Rules a Lloyd’s open market correspondent will be
regarded as an independent intermediary and therefor must comply with the requirements of the Rules insofar as they peoain to independent intermediaries. Lloyd’s coverholders are regarded as section 48(2) intermediaries and have to comply with the rules insofar as they pertain to insurers.
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20 No. 22084 GOVERNMENT GAZETTE, 23 FEBRUARY 2001
PART VI
17 SPECIAL PROVISIONS REGARDING MARKETING OF PRODU.CTS I
DIRECTLY TO THE PUBLIC
17.1 Telephone Sales
Telesales personnel must disclose to the, policyholder that. they receive
commission and the amount thereof!
17.1.1 For purposes of this Part, the sequence of Rule 4.1 and 4.2 need not be followed
in the sequence presented in the Rules. The sequence may be changed
provided thnt all the disclosures are made to the prospective policyholder before
the telephone interaction comes to an end. It is a requirement that the call must be voicelog~ged, and full disclosure be made to the policyholder in writing after
the telesale. The insurer or intermediary must be in a position to provide a copy
of the voicelagging.
17.1.2 The provisions of Rule 4.2(c) need only be provided to the policyholder in the
written disclosures which are provided to the policyholder after the sale. During the transaction it is sufficient to indicate that the insurer has a compliance
department and to provide basic contact details e.g. telephone number or
address. The direct marketers are not obliged .to give the Statutory Notice if all the disclosures contemplated in the notice are made during the transaction and
are recorded in writing or voicelogged. The requirements of Rule 4.2(b) need not
be disclosed KO the full but must be confirmed to the policyholder in writing after
the sale.
17.1.3 Where use is made of an infomercial advertisement, disclosure may be made in
the advertisenlent. For the purposes of this paragraph infomercial is defined as
meaning:
“An infomercial means advertising material of more than two minutes in duration
broadcast in visual andlor audio form. It is usually presented in a programme
format and promotes the interest of a person, product or service. It entails a
direct offer of a product or service to the public in return for payment, and usually
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STAATSKOERANT, 23 FEBRUARIE 2001 No. 22084 21
contains a demonstration of the use of the product or service concerned, and
includes mateiial: known as: tele-shopptng;, home shopping; direct marketing and
direct sales".
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17.2 Marketing by means of Direct Mailing, Media Advertisements and Inserts (with
application form), d o e s not require the printing of separate documents for
disclosure in terms of the Rules or Statutory Notice. It is not required to repeat
any disclosures made in the text of the offer in any specific disclosure addendum
or page.
17.3 Media Advertisements including Inserts (without application form), Spot
Television and Radio Advertising which are designed to generate awareness will not be considered as part of the insurance transaction and therefore no
disclosurie is ,contemplated in terms of the Rules. Any contact by prospective
policyholders will require the insurance parties involved to disclose in terms of the
Rules applicable to telephonic sales.
22 No. 22084 GOVERNMENT GAZETTE, 23 FEBRUARY 2001
PART VI1 18. STATUTORY NOTICE TO SHORT-TERM INSURANCE POLICYHOLDERS
IMPORTANT - PLEASE READ CAREFULLY ' i:. DISCLOSURE AN-D OTHER LEGAL REQULREMENTS
(This notice does not form part of the Insurance Contract or any other document) As a short-term insurance policyholder, or prospectlve policyholder, you have the right to the following information:
T ' m e d i a r y (insurance broker) r
(a) Name, physical address and postal address and telephone number. (b) Legal status, and any interest in the insurer. (c) Whether or not in possession of professional indemnity insurance. (d) Detail of how to Institute a claim. (e) Rand amount of fees and commission payable. (f) Written mandate to act on behalf of insurer.
!. About the insurer
(a) Name, physical and postal address and telephone numbers. (b) Telephone number of compliance department of the insurer. (c) Details of how to institute a claim and/or complaint. (d) Type of policy involved. (e) Extent of premium obligations you assume as policyholder. (f) Manner of payment of premium, due date of premiums and consequences of non-
payment.
1. Other matters of importance
(a) You must be informed of any material changes to the information referred to in
(b) I f the information in paragraphs 1 and 2 was given orally, it must be confirmed in
(c) If any cornplaint to the intermediary or insurer is not. resolved to your satisfaction,
(d) Polygraph or any lie detector test is not obligatory in the event of a claim and the
(e) If premium is paid by debit order:
paragraph 1 and 2.
writing within 30 days.
you may submit the complaint to the Registrar of Short-term Insurance.
failure thereof may not be the sole reason for repudiating a claim.
(i) it may only be in favour of one person and may not be transferred without your
(ii) the insurer must inform you at least 30 days before the cancellation thereof, in
(f) The insurer and not the intermediary must give reasons for repudiating your claim, (9) Your insurer may not cancel your insurance merely by informing your
intermediary. There is an obligation to make sure the notice has been sent to you. (h) You are entitled to a copy of the policy free of charge,
approval; and
writing, of its intention to cancel such debit order.
4. Warning
Do not sign any blank or partially completed application form. Complete all forms in ink. Keep all documents handed to you. Make note as to what is said to you. Don't he pressurised to buy the product. lncorect or non-disclosure by you of relevant facts may influence an insurer on any claims arising from your contract of insurance.
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STAATSKOERANT, .23 FEBRUARIE 2001 No. 22084 23
5 Particulars of Short-term Insurance Ombudsman who is available to advise YOU
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in the event of claim problems which are not satisfactorily resolved by the insurance intermediary andlor the insurer.
PO Box :I061 9 BRAAMFONTEIN 201 7
Tel: (01 1) 339-6525 Fax: (01 I) 339-7065
Particulars of Registrar of Short-term Insurance
Financial Service Board PO BOX 385655 MENLO PARK 01 02
Tel: (01 2) 428-8000 Fax: (012) 347-0221
fYou mav be Ireauired to sian a CODV of this document.)
24 NO. 22084 GOVERNMENT GAZETTE, 23 FEBRUARY 2001
PART VI11
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